Tuesday, March 25, 2014

April Wallet Watch - a spending challenge


I know, I know. You have things to do in April. You can't possibly participate in a spending freeze of any sort. Thank you and Good Day.

I'm here to tell you that you can, because in this April Wallet Watch, you make the rules. Where would you like to spend less? Do you spend $25 a week at Starbucks and would like to try spending $10? This is the challenge for you.

Watching your wallet doesn't mean you can't spend any money unless that's what you want it to mean. If you want to cut spending totally, do that. You're the boss with the hot sauce.

I'm coming in hot from a spendful birthday month, so my goal in April is no clothes, accessories, or beauty products. You might need clothes or lotion but have been eating out every day for breakfast or lunch and would like to cut back on that. Make this work to suit you and your life - we each have our own wallets to watch. But if you're feeling uninspired, feel free to use my rules.

My Five Wallet Watch Rules
1. Wallet watch lasts from April 1 - 30.
2. No buying clothes, shoes, other accessories, or beauty products except the weekend of April 11-13, when money has been budgeted for some shopping during a weekend away.
3. Only one DD coffee per week except for weekends away (April 4-6 and April 11-13).
4. Cook out of the pantry and freezer and really use what I have before food shopping.
5. Stay within budget for all outings, including weekends away.

Whatever goals you set for yourself, be realistic. Make changes to your spending habits for the next month that can work for you so you don't hate me and yourself by April 30.

Once you set your rules, live by them. Write down any expenditures that aren't in your budget, grab the button below and report in on your experience on Tuesday, May 6. Bloggers, link up your posts. Non-bloggers, prepare to share your list of wallet watch victories, failures, and reflections in the comments here or on Facebook or twitter.
Life According to Steph


What do you say? Are you down for an April Wallet Watch with me & Marla from Luck Fupus?
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Previous no spend check ins:
My Dirty Book of Shame - Spending Freeze Diary Violations and Realizations
Spending Freeze Book of Sin - I Veruca'd Myself)
Sinful Admissions of a No Spend September
Coming Clean on the January Spending Freeze



27 comments:

  1. Oh goodie! Maybe I can actually participate since it isn't a total spending freeze! You are going to whip me into financial shape yet, aren't you!?

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  2. Ahhh I like these rules. Definitely participating again.

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  3. I'm in! I'm doing a total spending freeze so I can pay off the credit card ($1000 in doggie vet bills plus her birthday expenses that have already gone through.) I'm already getting prepped - as in, I stalked your old posts already and I'm checking my supplies to make sure I have things like toilet paper and dry shampoo :) Bring it on, April!

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    1. P.S. the little code to use the photo isn't set up. Just FYI

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  4. I'm so on board with this. I did so well in January! And even pretty decent in February. But this month has been a lot of unnecessary spending- seriously, I went in the Target for packing tape and spent $85. Stupid Target.

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  5. I am so in on this one. I already got a lot of spring dresses so I am ready.

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  6. Wooooot! I'm trying total spend freeze (minus friends BYOB, Brie/Pete's bday dinner, and flyers playoff outings)

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  7. Really interesting and practical. Great to see how well you empower yourself and others with their money! Thanks for sharing and inspiring.

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  8. Fun!! I'm going to try think of a goal for April-- since I told you, April is MY bday month and I might need a few splurges ;) But I can still cut something or reach a goal!

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  9. Awesome. I am so ready for this time around!!

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  10. I did amazing this last month and the number one thing I stopped was online spending of clothes. Amazon is the black hold of my wallet....that one click shopping I tell yah!

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  11. I am IN! I'm spending my b-day money and gift certificates tomorrow, then it's Frugal McFrugalson through the end of April. Now the really trick will be if I can get my husband to join me!

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  12. It's like you read my mind! I can't freeze but I can totally wallet watch :)

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  13. Count me in!! Definitely need to pull in the reigns with my spending, and this seems like a perfect way to do it. I like making my own rules!!

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  14. I think I want to do this. Our 10 year anniversary is next month so it'll be good incentive to have more money for that.

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  15. I think I can handle this...total spending freeze was probably not going to happen, but I could stand to tighten a few things!

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  16. I am in this month. I have no choice. I need to be saving!! I can do this. (does it sound motivating?) I might need to make a HUGE poster board and keep it in like 3 different spots - but this I can do.

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  17. Good luck! I don't know if I could do this but I might join in sometime if it's done again.

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  18. Alright, I really like the idea of making it my own and not just saying "no spending". I've tried, desperately, to track purchases over the last few months and it was starting to wear on me. So then I just stopped about 2 weeks ago.
    Thinking about this…

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  19. Wallet Watch 2014: It's on like Donkey Kong. It's blogged, locked, and loaded. I am also very happy that our Ladies That Lunch Day is in March!

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  20. Sounds awesome! I'm in!! Our Disney vacation wiped us out this month time to recover!

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  21. I am all up in this! I was going to do a spendinf freeze in April but I like the sound of this MUCH better. Also "you're the boss with the hot sauce" is my new favorite saying!

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  22. this is a great idea! I'm usually decent with my budget and then I go to target for toothpaste and spend $100 on garbage. i'm going to try to set a real budget and be more diligent this month!

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  23. Dangit! I wish I could do this, but I'm in and out of town, it's Will's graduation, and we will have family come to visit us this month. All of that= I have to be flexible. You need to do this again SOON!!!!

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  24. Yes, I am so in! I'm cutting 90% of my expenses - gotta save up for all my big travel plans!!

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Tell me what you think, leave a comment! I'll reply to you via email if you have an email associated with yourself, otherwise, check back here for my reply. Thank you and good day. I SAID GOOD DAY.

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